Who has insurance? What does it cover and where did you get it? The stuff out there in sheds and garages exceeds the £3k that my contents instance will cover and they can't increase it. They also won't cover my solar panels. They're not on the roof and so can't be covered by buildings insurance. I'm talking mainly about kit, but there will be some animals soon too.

Although, Allianz were outstanding with our stuff in the fire. They allowed us about £8k in the outbuilding as they were happy it was a workshop and a garage and a shed. Even though it was one building. And then they allowed us full claim for freezers and cycles. Non car vehicles were specifically excluded tho.